Auto Insurance in North Dakota is more extensive than most states, because North Dakota operates under a “no-fault” system. This basically means that no matter who causes the accident in question, everyone pays for their own repairs and damages out of their own insurance. The minimum coverage requirements include liability coverage, personal injury protection, and uninsured motorists coverage in these amounts:

• Liability: $25,000 per person, $50,000 per accident for injury coverage and $25,000   property damage coverage per accident
• Personal Injury Protection: $30,000
• Uninsured Motorist Coverage: same limits as Liability Coverage

North Dakota insurance rates are calculated on various factors, including: driving record, age, vehicle being insured, credit rating, and how much coverage you want. These factors are combined and compared to determine how high risk you will be to the insurance company. The higher risk you are, the more you will pay for insurance, and vice versa.

Aside from being low risk, you can also save money on your auto insurance in North Dakota by asking about discounts that you may be eligible for. There are various reasons that insurance discounts are offered, and these can include:

•     good driver discounts
•     good student discounts
•     vehicle safety features discounts (for airbags, anti-theft systems, etc.)
•     multiple vehicle discount (if you insure more than one vehicle on a policy)
•     multiple policy discounts (if you have more than one policy with a company)

You need to shop around and compare insurance rates to find the best deal on auto insurance for your needs. If you are willing to invest the time and effort, you can find great deals on auto insurance in North Dakota.